Cheap Quotes for Lonoke, AR Car Insurance (2021)

Lonoke, Arkansas car insurance rates average $342 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Lonoke, AR companies, you can find cheap Lonoke car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Lonoke, AR after a DUI are $4,952/year
  • Average car insurance rates in Lonoke, AR for senior drivers are $2,114/year
  • Lonoke has an average commute time of 25.8 minutes

How do the Lonoke, Arkansas monthly average car insurance rates of $342/month compare to nearby cities like Jonesboro car insurance rates, Fayetteville car insurance rates, and Bentonville car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lonoke, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and Lonoke, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Lonoke, Arkansas companies to find the most affordable Lonoke car insurance rates.

Enter your ZIP code above to find cheap Lonoke, AR car insurance quotes today.

What are the minimum Lonoke, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, Lonoke, AR drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Lonoke, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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How do age, gender, and marital status affect Lonoke, AR car insurance rates?

Three of the criteria that most affect car insurance rates in Lonoke, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Lonoke car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lonoke, Arkansas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,802 $2,809 $2,515 $2,688 $10,456 $12,561 $3,071 $3,317
Farmers $2,264 $2,262 $2,015 $2,125 $9,958 $10,369 $2,595 $2,727
GEICO $2,470 $2,437 $2,274 $2,210 $6,651 $6,647 $2,443 $2,477
Liberty Mutual $2,466 $2,641 $2,383 $2,663 $9,201 $10,140 $2,674 $2,788
Nationwide $2,537 $2,581 $2,281 $2,405 $6,186 $7,863 $2,909 $3,131
Progressive $2,605 $2,452 $2,141 $2,250 $11,307 $12,731 $3,097 $3,342
State Farm $1,778 $1,778 $1,608 $1,608 $5,358 $6,725 $2,009 $2,305
Travelers $2,111 $2,147 $2,108 $2,110 $12,676 $20,394 $2,271 $2,585
USAA $1,432 $1,437 $1,337 $1,333 $4,708 $4,902 $1,845 $1,977

How much do teen drivers pay for car insurance in Lonoke, AR?

Lonoke, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare Lonoke car insurance rates from multiple Lonoke, Arkansas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Lonoke, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,456 $12,561
Farmers $9,958 $10,369
GEICO $6,651 $6,647
Liberty Mutual $9,201 $10,140
Nationwide $6,186 $7,863
Progressive $11,307 $12,731
State Farm $5,358 $6,725
Travelers $12,676 $20,394
USAA $4,708 $4,902

How much do senior drivers pay for car insurance in Lonoke, AR?

With a little research, seniors can find affordable car insurance in Lonoke, Arkansas. Here’s a look at how the top Lonoke car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Lonoke, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,515 $2,688
Farmers $2,015 $2,125
GEICO $2,274 $2,210
Liberty Mutual $2,383 $2,663
Nationwide $2,281 $2,405
Progressive $2,141 $2,250
State Farm $1,608 $1,608
Travelers $2,108 $2,110
USAA $1,337 $1,333

How does coverage level affect Lonoke, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Lonoke, AR car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Lonoke, Arkansas

Insurance Company Low Medium High
Allstate $4,860 $5,024 $5,198
Farmers $4,026 $4,232 $4,610
GEICO $3,295 $3,450 $3,608
Liberty Mutual $4,207 $4,336 $4,564
Nationwide $3,747 $3,658 $3,805
Progressive $4,468 $4,868 $5,637
State Farm $2,734 $2,894 $3,060
Travelers $5,498 $5,815 $6,088
USAA $2,260 $2,362 $2,492

How does your driving record affect Lonoke, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in Lonoke, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top Lonoke, Arkansas companies.

Annual Lonoke, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,129 $5,219 $5,809 $4,953
Farmers $3,626 $4,655 $4,547 $4,329
GEICO $2,353 $3,594 $5,325 $2,532
Liberty Mutual $2,959 $4,848 $5,678 $3,993
Nationwide $2,915 $3,756 $5,070 $3,205
Progressive $4,297 $5,995 $4,524 $5,147
State Farm $2,644 $3,149 $2,896 $2,896
Travelers $4,855 $5,015 $7,373 $5,958
USAA $1,813 $2,317 $3,343 $2,013

How does a DUI affect Lonoke, AR car insurance rates?

With even one DUI on your record, you can see an increase in your Lonoke, AR car insurance rates.

Annual Car Insurance Rates After a DUI in Lonoke, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,809
Farmers $4,547
GEICO $5,325
Liberty Mutual $5,678
Nationwide $5,070
Progressive $4,524
State Farm $2,896
Travelers $7,373
USAA $3,343

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How does your credit history affect Lonoke, AR car insurance rates?

Take a look at the data here to see how your Lonoke, Arkansas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Lonoke, Arkansas

Insurance Company Poor Fair Good
Allstate $6,313 $4,844 $3,926
Farmers $4,867 $4,097 $3,903
GEICO $4,133 $3,401 $2,820
Liberty Mutual $6,297 $3,821 $2,990
Nationwide $4,409 $3,557 $3,244
Progressive $5,636 $4,833 $4,504
State Farm $4,197 $2,526 $1,966
Travelers $6,643 $5,559 $5,199
USAA $3,129 $2,149 $1,836

How does your commute affect Lonoke, AR car insurance rates?

Lonoke, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Lonoke if you’re financing.

Annual Car Insurance Rates by Commute Length in Lonoke, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,027 $5,027
Farmers $4,289 $4,289
GEICO $3,424 $3,479
Liberty Mutual $4,369 $4,369
Nationwide $3,737 $3,737
Progressive $4,991 $4,991
State Farm $2,825 $2,968
Travelers $5,800 $5,800
USAA $2,305 $2,438

Who has the cheapest Lonoke, AR car insurance rates?

Here’s a breakdown of Lonoke, Arkansas car insurance rates by company. You can see which company offers the cheapest Lonoke car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Lonoke, Arkansas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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What are the top Lonoke, AR car insurance companies?

Which Lonoke, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top Lonoke companies to find the one for you.

Average Annual Car Insurance Rates by Company in Lonoke, Arkansas

Insurance Company Average Annual Rates
Allstate $5,027
Farmers $4,289
GEICO $3,451
Liberty Mutual $4,369
Nationwide $3,737
Progressive $4,991
State Farm $2,896
Travelers $5,800
USAA $2,371

What factors affect Lonoke, AR car insurance rates?

Why are Lonoke, Arkansas car insurance rates different than rates in Jonesboro or Fayetteville? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Lonoke, AR?

More time spent behind the wheel can lead to higher Lonoke, Arkansas car insurance rates. In Lonoke, AR, the average commute length is 25.8 minutes.

Car Insurance Quotes for Lonoke, AR

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